The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,392
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,591
−HK$202/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,586/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,111
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$194/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,890
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,990/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,670
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$242/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,302/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,533
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$232/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,988/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,948
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$283/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,088
+HK$578/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,020/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,955
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$271/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,986/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,505
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$364/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,454/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,799
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$348/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).